Mid-market businesses on the whole plan to borrow less rather than more this year, research by GE Capital and the Australian Graduate School of Management has found.A report released yesterday found that fewer than one in five mid-market businesses expect to borrow more over the next 12 months, while one third are looking to reduce their debt.The report said this made mid-market businesses more debt averse than large businesses, 27 per cent of whom plan to borrow more and 20 per cent of whom plan to borrow less.One option on the mind of many of those surveyed was government subsidies, with 53 per cent seeking "access to capital at reduced rates", while more than a third wanted tax incentives to offset the cost of investment in technology upgrades.